Social Security

Bob and I attended a presentation last evening at the library.  The speaker is a financial planner/insurance salesman.  We each learned something.  We learned some terms.

We have an appointment next Thursday to meet with this fellow and discuss our specifics regarding when to take Social Security.  I have a few questions about Medicare as well.  Bob will be 65 in July.  From what I have read he needs to apply for Medicare 3 months before he turns 65.  We currently pay for health care insurance through his pension.

When we got home I printed off current social security statements from the web.  If you are waiting for yours to come via snail mail, you need to know they are available via the web or you have to call and request paper statements.

The site is:  ssa.gov

Create an account.  I learned last night that the passwords I set up last summer are only good for 6 months.  There is an easy method for resetting passwords.  I printed our statements.  That's all the financial dude needs from us for next week's meeting. 

That brings me to what we are seeking direction.  We subscribe to the newsletter published by Bob Brinker.  We moved $ out of one mutual fund and placed it in the money market account within that fund family.  Brinker has direction for where to divide the proceeds to capture interest rates as they begin to creep up.  Very short maturities mostly.

We have not purchased any of the three funds he recommended.  Bob is thinking we need more professional advise.  So we are thinking a professional adviser to help us create a complete plan.  We want someone we will pay for his time and talent.  Most of them sell mutual funds and insurance for a profit.  We are seeking someone with our interests as his only goal.

'til later